RMA, Real Mortgage AssociatesFSRA LIC. #10464RICK SEKHON · MORTGAGE BROKER
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Mortgage knowledge, plain language.

Guides and straight answers from 20+ years in Canadian mortgages, no jargon, no sales pitch.

August 2, 2026

Why an Experienced Mortgage Broker Can Outperform Your Bank When You Refinance

Refinancing? An experienced mortgage broker may save you thousands. More lenders, less hassle, and better rates than a single bank can offer.

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July 26, 2026

Ontario HST Rebate on New Homes 2026: Up to $130,000 Explained

Ontario's Enhanced New Housing Rebate returns up to $130,000 of HST on a qualifying new home, but only up to $1.5 million. Tiers, deadlines, and what it does to your mortgage.

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February 14, 2026

Construction Loans and Building Your Dream Home

Financing a custom build works differently than buying a finished home. Draw schedules, holdbacks and how to keep your project funded from foundation to keys.

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February 8, 2026

Bad Credit Mortgages: Your Options Explained

A job loss, an illness, a divorce, bruised credit has a story behind it. Lenders exist who will listen. Here's the realistic path back.

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February 3, 2026

Reverse Mortgages in Canada: Pros and Cons

For homeowners 55+, a reverse mortgage can unlock tax-free equity with no monthly payments. Here's an honest look at both sides of the ledger.

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January 30, 2026

How to Buy a Second Property or Investment Home

Cottage, rental or future retirement home, here's how financing a second property really works, from down payment rules to using your current home's equity.

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January 25, 2026

Understanding Land Transfer Tax in Ontario

The biggest closing cost nobody budgets for. How Ontario's land transfer tax brackets work, what Toronto adds, and the rebates first-time buyers can claim.

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January 18, 2026

Bridge Financing for Canadian Homebuyers

Buying before you sell? Bridge financing covers the gap between closing dates so you never have to move twice or accept a fire-sale price.

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January 12, 2026

Mortgage Renewal Tips to Save Money

Your renewal letter is not a bill, it's an opening offer. Six moves that routinely save renewing homeowners thousands.

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January 5, 2026

Self-Employed Mortgage Options in Canada

You write off aggressively, and then the bank says your income is too low. How business owners, freelancers and trades actually get approved.

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December 28, 2025

Debt Consolidation Through Your Mortgage

Credit cards at 21%, a car loan, a line of credit, or one payment at mortgage rates. How consolidation works and the discipline that makes it stick.

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December 15, 2025

Private Mortgages in Canada: When and Why to Consider Them

When the banks say no, private lending says 'show me the property.' What private mortgages cost, when they make sense, and how to use one without getting stuck.

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December 2, 2025

The Mortgage Stress Test: What You Need to Know

You don't qualify at your actual rate, you qualify at a higher one. How the stress test works, what it does to your budget, and the paths around it.

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November 20, 2025

How Your Credit Score Affects Your Mortgage Rate

The three-digit number that prices your biggest debt. Score bands, what actually moves them, and how much a rebuild is really worth.

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November 8, 2025

Home Equity Lines of Credit Explained

The most flexible borrowing tool a homeowner can hold, and the most misused. How HELOCs work, what they cost, and the habits that keep them safe.

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October 30, 2025

Understanding Closing Costs When Buying a Home

The down payment isn't the finish line. Land transfer tax, legal fees, adjustments and the rest of the closing-day bill, itemized so nothing surprises you.

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October 18, 2025

How to Refinance Your Mortgage in Ontario

Equity out, rate down, debts consolidated, the full playbook: what refinancing costs, when it's worth it, and the step-by-step process.

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October 5, 2025

First Time Home Buyer Programs in Canada

FHSA, RRSP Home Buyers' Plan, land transfer rebates, 30-year amortizations, the full stack of first-time buyer programs and how to combine them.

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September 25, 2025

Fixed vs Variable Rate Mortgages: Which is Right for You

The eternal question. What each rate type really costs, the penalty difference nobody mentions, and how to choose based on your life instead of a prediction.

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September 10, 2025

Understanding Mortgage Pre-Approval in Canada

Before the open houses, get the letter. What a real pre-approval includes, what it doesn't guarantee, and how to keep it valid until offer day.

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August 28, 2025

Can You Get a Third Mortgage: A Comprehensive Guide on the Risks

Third mortgages exist, private, expensive and occasionally the right move. When they make sense, what they cost, and the alternatives to exhaust first.

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August 12, 2025

What is a Mortgage and How Do I Qualify

Starting from zero? Principal, interest, terms, amortization, and the four things every lender checks, the foundations, in plain language.

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